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第八十二條保險公司的組織機構(gòu)，適用公司法的規(guī)定。 Article 82 The provisions of the Company Law of the PRC shall apply to the organizational structure of an insurance company. 第八十三條國有獨資保險公司設立監(jiān)事會。監(jiān)事會由金融監(jiān)督管理部門、

第八十二條　保險公司的組織機構(gòu)，適用公司法的規(guī)定。
Article 82 The provisions of the Company Law of the PRC shall apply to the organizational structure of an insurance company.

第八十三條　國有獨資保險公司設立監(jiān)事會。監(jiān)事會由金融監(jiān)督管理部門、有關(guān)專家和保險公司工作人員的代表組成，對國有獨資保險公司提取各項準備金、最低償付能力和國有資產(chǎn)保值增值等情況以及高級管理人員違反法律、行政法規(guī)或者章程的行為和損害公司利益的行為進行監(jiān)督。
Article 83 A solely state-owned insurance company shall have a Board of Supervisors, which comprises of representatives from the financial supervision and regulation department, relevant experts, and employees of the insurance company. The Board of Supervisors shall exercise supervision with respect to the allocation of technical reserves, the minimum solvency margin and the maintenance and increase of state owned assets as well as monitor its senior management in respect of violations of laws, the administration regulations or the Articles of Association and acts considered detrimental to the company's interest.

第八十四條　保險公司因分立、合并或者公司章程規(guī)定的解散事由出現(xiàn)，經(jīng)金融監(jiān)督管理部門批準后解散。保險公司應當依法成立清算組，進行清算。
Article 84 In the event of division, merger, or any cause for dissolution in accordance with the Articles of Association, such dissolution attaches only upon the approval of the financial supervision and regulation department. In accordance with laws, the insurance company shall form a liquidation task force to carry out the liquidation.

　　經(jīng)營有人壽保險業(yè)務的保險公司，除分立、合并外，不得解散。
Those insurance companies engaged in life insurance business shall not be dissolved, only divided or merged.

　　第八十五條　保險公司違反法律、行政法規(guī)，被金融監(jiān)督管理部門吊銷經(jīng)營保險業(yè)務許可證的，依法撤銷。由金融監(jiān)督管理部門依法及時組織清算組，進行清算。
Article 85 An insurance company shall be dissolved in the event that its insurance license is revoked by the financial supervision and regulation department due to the violation of laws, or administrative regulations. The financial supervision and regulation department shall promptly appoint a liquidation task force to carry out the liquidation procedures.

　　第八十六條　保險公司不能支付到期債務，經(jīng)金融監(jiān)督管理部門同意，由人民法院依法宣告破產(chǎn)。保險公司被宣告破產(chǎn)的，由人民法院組織金融監(jiān)督管理部門等有關(guān)部門和有關(guān)人員成立清算組，進行清算。
Article 86 When an insurance company is unable to pay its debts when due and with the approval of the financial supervision and regulation department, the insurance company can be declared bankrupt by the People's Court in accordance with laws. In the event that an insurance company is declared bankrupt, the People's Court shall appoint a liquidation task force which is composed of members from the financial supervision and regulation department and other relevant personnel to carry out the liquidation.

　　第八十七條　經(jīng)營有人壽保險業(yè)務的保險公司被依法撤銷的或者被依法宣告破產(chǎn)的，其持有的人壽保險合同及準備金，必須轉(zhuǎn)移給其他經(jīng)營有人壽保險業(yè)務的保險公司；不能同其他保險公司達成轉(zhuǎn)讓協(xié)議的，由金融監(jiān)督管理部門指定經(jīng)營有人壽保險業(yè)務的保險公司接受。
Article 87 When an insurance company engaged in life insurance business is revoked or declared bankrupt in accordance with laws, it shall transfer all of its life insurance contracts and technical reserves to other insurance companies engaged in life insurance business; if no agreement can be reached with respect to such transfer with other insurance companies, the financial supervision and regulation department shall designate insurance companies engaged in life insurance business to take them over.

第八十八條　保險公司依法破產(chǎn)的，破產(chǎn)財產(chǎn)優(yōu)先支付其破產(chǎn)費用后，按照下列順序清償：
Article 88 When an insurance company is declared bankrupt in accordance with laws, the estate of the bankrupt insurer, after paying off the expenses of bankruptcy proceedings, shall be distributed in the following order:

　　（一）所欠職工工資和勞動保險費用；
wages, salaries and social insurance benefits due to its employees;

　　（二）賠償或者給付保險金；indemnity or payment of the insurance benefits;
　　（三）所欠稅款；taxes and duties due; and
　　（四）清償公司債務。servicing of the company debts.
　　破產(chǎn)財產(chǎn)不足清償同一順序清償要求的，按照比例分配。
Where the estate is insufficient to cover all the claims within the same priority , then settlement shall be made on a pro-rata basis within that priority.

　　第八十九條　保險公司依法終止其業(yè)務活動，應當注銷其經(jīng)營保險業(yè)務許可證。
Article 89 When an insurance company ceases its business operation in accordance with laws, its insurance license shall be revoked.

　　第九十條　保險公司的設立、變更、解散和清算事項，本法未作規(guī)定的，適用公司法和其他有關(guān)法律、行政法規(guī)的規(guī)定。
Article 90 In the absence of provisions of this Law, the Company Law and other laws and administrative regulations shall be applied to such matters as the establishment of, changes to, dissolution and liquidation of an insurance company.

第四章保險經(jīng)營規(guī)則Insurance Operation Rules
　　第九十一條　保險公司的業(yè)務范圍：
Article 91 The scope of the business of an insurance company shall be as follows:

　　（一）財產(chǎn)保險業(yè)務，包括財產(chǎn)損失保險、責任保險、信用保險等保險業(yè)務；
Property insurance business which includes insurance against loss or damage to property, liability insurance and credit insurance; or

　　（二）人身保險業(yè)務，包括人壽保險、健康保險、意外傷害保險等保險業(yè)務；
Insurance of persons business which includes life insurance, health insurance and accident and injury insurance.

　　同一保險人不得同時兼營財產(chǎn)保險業(yè)務和人身保險業(yè)務。
An insurer shall not concurrently engage in business of both property insurance and insurance of persons.

　　保險公司的業(yè)務范圍由金融監(jiān)督管理部門核定。保險公司只能在被核定的業(yè)務范圍內(nèi)從事保險經(jīng)營活動。
The scope of the business of an insurance company is subject to the approval of the financial supervision and regulation department. An insurance company shall only operate its insurance business within the scope of business approved.

　　本法施行前已設立的保險公司，按照第二款實行分業(yè)經(jīng)營的辦法，由國務院規(guī)定。
Insurance companies which were established prior to the enactment of this Law shall divide their operations in accordance with the second paragraph of this Article in accordance with the stipulations of the State Council.

　　第九十二條　經(jīng)金融監(jiān)督管理部門核定，保險公司可以經(jīng)營前條規(guī)定的保險業(yè)務的下列再保險業(yè)務：
Article 92 With the approval of the financial supervision and regulation department, an insurance company may engage in the following reinsurance business of the insurance business prescribed in the preceding article:

　　（一）分出保險；Outward reinsurance; and/or
　　（二）分入保險。Inward reinsurance.
　　第九十三條　除人壽保險業(yè)務外，經(jīng)營其他保險業(yè)務，應當從當年自留保險費中提取未到期責任準備金；提取和結(jié)轉(zhuǎn)的數(shù)額，應當相當于當年自留保險費的百分之五十。
Article 93 Insurance companies engaged in insurance business other than life insurance, shall set aside a reserve for future claims from its premiums retained for the current year; and the amount set aside and carried forward shall be equal to fifty percent (50%) of the premiums retained for the current year.

　　經(jīng)營有人壽保險業(yè)務的保險公司，應當按照有效的人壽保險單的全部凈值提取未到期責任準備金。
An insurance company engaged in life insurance shall set aside a reserve for future claims equal to the total net value determined actuarially on the total life insurance policies in force.

　　第九十四條　保險公司應當按照已經(jīng)提出的保險賠償或者給付金額，以及已經(jīng)發(fā)生保險事故但尚未提出的保險賠償或者給付金額，提取未決賠款準備金。
Article 94 An insurance company shall set aside an outstanding loss reserve for the amount of insurance indemnity or the amount of the insurance benefits which have already been claimed, and for those amounts due for which the insured events have occurred, but which has not yet been claimed.

　　第九十五條　除依照前二條規(guī)定提取準備金外，保險公司應當依照有關(guān)法律、行政法規(guī)及國家財務會計制度的規(guī)定提取公積金。
Article 95 In addition to the reserve funds described in the preceding two articles, an insurance company shall set aside amounts into the accumulated reserve fund in accordance with the relevant State laws, administrative regulations and the stipulations of the State financial and accounting systems.

　　第九十六條　為了保障被保險人的利益，支持保險公司穩(wěn)健經(jīng)營，保險公司應當按照金融監(jiān)督管理部門的規(guī)定提存保險保障基金。
Article 96 In order to protect the interests of the insured, and to ensure its own steady and healthy operation, an insurer shall contribute to an insurance guarantee fund in accordance with the regulations of the financial supervision and regulation department.

　　保險保障基金應當集中管理，統(tǒng)籌使用。
The management of the insurance guarantee fund will be centralized, and applied on an industry basis.

　　第九十七條　保險公司應當具有與其業(yè)務規(guī)模相適用的最低償付能力。保險公司的實際資產(chǎn)減去實際負債的差額不得低于金融監(jiān)督管理部門規(guī)定的數(shù)額；低于規(guī)定數(shù)額的，應當增加資本金，補足差額。
Article 97 An insurance company shall maintain a minimum solvency commensurate with the size of its business. The balance of its actual assets after deducting its actual liabilities shall be not less than the solvency margin stipulated by the financial supervision and regulation department. In the event that the balance is less than the solvency margin stipulated, its equity capital shall be replenished to make up the difference.

　　第九十八條　經(jīng)營財產(chǎn)保險業(yè)務的保險公司當年自留保險費，不得超過其實有資本金加公積金總和的四倍。
Article 98 For those insurance companies engaged in property insurance business, the premiums retained for the current year shall not exceed more than four times the combined total of its paid-up capital and its accumulated reserve fund.

　　第九十九條　保險公司對每一危險單位，即對一次保險事故可能造成的最大損失范圍所承擔的責任，不得超過其實有資本金加公積金總和的百分之十；超過的部分，應當辦理再保險。
Article 99 The liability borne by an insurance company for each risk unit, that is, the liability which might arise from the maximum loss or damage caused by the occurrence of a single insured event, shall not exceed ten (10) percent of the combined total of its paid-up capital and its accumulated reserve fund. Reinsurance shall be arranged for the portion in excess of this sum.

　　第一百條　保險公司對危險單位的計算辦法和巨災風險安排計劃，應當報經(jīng)金融監(jiān)督管理部門核準。
Article 100 The method of calculation of a risk unit and the plan for managing the catastrophe risk of an insurance company shall be approved by the financial supervision and regulation department.

　　第一百零一條　除人壽保險業(yè)務外，保險公司應當將其承保的每筆保險業(yè)務的百分之二十按照國家有關(guān)規(guī)定辦理再保險。
Article 101 With the exception of life insurance business, an insurance company shall reinsure twenty (20) percent of each insurance contract it underwrites in accordance with the relevant State regulations.

　　第一百零二條　保險公司需要辦理再保險分出業(yè)務的，應當優(yōu)先向中國境內(nèi)的保險公司辦理。
Article 102 Where an insurance company needs to place outward reinsurance business, it shall give priority to insurance companies established within the territory of the PRC.

　　第一百零三條　金融監(jiān)督管理部門有權(quán)限制或者禁止保險公司向中國境外的保險公司辦理再保險分出業(yè)務或者接受中國境外再保險分入業(yè)務。
Article 103 The financial supervision and regulation department shall have the authority to restrict or prohibit insurance companies from ceding any outward reinsurance business to insurance companies established without the territory of the PRC or from accepting any inward reinsurance business from insurance companies established without the territory of the PRC.

　　第一百零四條　保險公司的資金運用必須穩(wěn)健，遵循安全性原則，并保證資產(chǎn)的保值增值。
Article 104 An insurance company shall apply its funds in a conservative, sound and safe manner and ensure that the value of its assets is maintained and increased.

　　保險公司的資金運用，限于在銀行存款、買賣政府債券、金融債券和國務院規(guī)定的其他資金運用形式。
The application of funds of an insurance company is limited to bank deposits, trading of government and financial bonds and other forms of fund application stipulated by the State Council.

　　保險公司的資金不得用于設立證券經(jīng)營機構(gòu)和向企業(yè)投資。
The funds of an insurance company shall not be applied to the establishment of any entity to trade bonds or securities or investment in enterprises.

　　保險公司運用的資金和具體項目的資金占其資金總額的具體比例，由金融監(jiān)督管理部門規(guī)定。
The specific fund application and the exact percentage of an insurance company's total fund allocated to each of them shall be stipulated by the financial supervision and regulation department.

　　第一百零五條　保險公司及其工作人員在保險業(yè)務活動中不得有下列行為：
Article 105 An insurance company and its employees shall not commit any of the following acts in the course of its business operation:

　　（一）欺騙投保人、被保險人或者受益人；
deceiving the applicant, the insured or the beneficiary;

　　（二）對投保人隱瞞與保險合同有關(guān)的重要情況；
concealing from the applicant material information relevant to the insurance contract;

　　（三）阻礙投保人履行本法規(guī)定的如實告知義務，或者誘導其不履行本法規(guī)定的如實告知義務；
preventing the applicant from fulfilling his/her obligation of making a full and accurate disclosure stipulated under this Law or inducing him/her not to fulfill such obligation; or

　　（四）承諾向投保人、被保險人或者受益人給予保險合同規(guī)定以外的保險費回扣或者其他利益。
promising the applicant, the insured or the beneficiary to give them premium rebates or other interests which are not specified in the insurance contract.

第五章保險業(yè)的監(jiān)督管理Insurance Supervision and Regulation
　　第一百零六條　商業(yè)保險的主要險種的基本保險條款和保險費率，由金融監(jiān)督管理部門制訂。
Article 106 The basic insurance clauses and premium rates for major types of commercial insurance shall be formulated by the financial supervision and regulation department.

　　保險公司擬訂的其他險種的保險條款和保險費率，應當報金融監(jiān)督管理部門備案。
The insurance clauses and premium rates for other types of insurance formulated by an insurance company shall be filed with the financial supervision and regulation department .

　　第一百零七條　金融監(jiān)督管理部門有權(quán)檢查保險公司的業(yè)務狀況、財務狀況及資金運用狀況，有權(quán)要求保險公司在規(guī)定的期限內(nèi)提供有關(guān)的書面報告和資料。
Article 107 The financial supervision and regulation department shall have the authority to inspect the operations of an insurance company, including its financial position and application of funds and shall have the authority to request an insurance company to submit relevant written reports and information within a prescribed period of time.

　　保險公司依法接受監(jiān)督檢查。
An insurance company shall accept supervision and inspection in accordance with laws.

　　第一百零八條　保險公司未按照本法規(guī)定提取或者結(jié)轉(zhuǎn)各項準備金，或者未按照本法規(guī)定辦理再保險，或者嚴重違反本法關(guān)于資金運用的規(guī)定的，由金融監(jiān)督管理部門責令該保險公司采取下列措施限期改正：
Article 108 Where an insurance company fails to set aside or carry forward the various technical reserve funds, or transact reinsurance in accordance with this Law, or seriously violates the provisions of this Law governing the application of funds, then the financial supervision and regulation department shall direct the insurance company to take the following remedial actions within a prescribed period of time :

　　（一）依法提取或者結(jié)轉(zhuǎn)各項準備金；
setting aside or carrying forward various technical reserve funds in accordance with laws;

　　（二）依法辦理再保險；transacting reinsurance in accordance with laws;
　　（三）糾正違法運用資金的行為；correcting the illegal application of funds; or
　　（四）調(diào)整負責人及有關(guān)管理人員。
replacing its responsible senior management and relevant personnel involved.

　　第一百零九條　依照前條規(guī)定，金融監(jiān)督管理部門作出限期改正的決定后，保險公司在限期內(nèi)未予改正的，由金融監(jiān)督管理部門決定選派保險專業(yè)人員和指定該保險公司的有關(guān)人員，組成整頓組織，對該保險公司進行整頓。
Article 109 In the event that an insurance company fails to correct the situation within the prescribed time, after it has been directed to do so by a decision of rectification of the financial supervision and regulation department in accordance with the preceding Article, the financial supervision and regulation department shall then select insurance professionals and appoint relevant personnel from the insurance company to form a rectification task force to carry out the rectification work of the said insurance company.

整頓決定應當載明被整頓保險公司的名稱、整頓理由、整頓組織和整頓期限，并予以公告。
The decision of rectification shall be publicized and shall specify the name of the insurance company, the reason for rectification, the composition of the rectification task force responsible for carrying out the rectification work as well as the date by which the rectification is to be completed.

　　第一百一十條　整頓組織在整頓過程中，有權(quán)監(jiān)督該保險公司的日常業(yè)務。該保險公司的負責人及有關(guān)管理人員，應當在整頓組織的監(jiān)督下行使自己的職權(quán)。
Article 110 In the course of the rectification, the rectification task force shall have the authority to supervise the daily business operation of the said insurance company. The responsible senior management and relevant personnel involved of the insurance company shall perform their respective functions under the supervision of the rectification task force.

　　第一百一十一條　在整頓過程中，保險公司的原有業(yè)務繼續(xù)進行，但是金融監(jiān)督管理部門有權(quán)停止開展新的業(yè)務或者停止部分業(yè)務，調(diào)整資金運用。
Article 111 In the course of the rectification, the existing business of the insurance company may be continued. The financial supervision and regulation department shall, however, have the authority to prevent the insurance company from developing new business; or to suspend part of its business; or to modify its application of funds.

　　第一百一十二條　被整頓的保險公司經(jīng)整頓已糾正其違反本法規(guī)定的行為，恢復正常經(jīng)營狀況的，由整頓組織提出報告，經(jīng)金融監(jiān)督管理部門批準，整頓結(jié)束。
Article 112 Where an insurance company under rectification has already corrected its act in violation of this Law and has resumed its normal business operations, the rectification shall cease after the submission of a report by the rectification task force and obtaining an approval by the financial supervision and regulation department.

　　第一百一十三條　保險公司違反本法規(guī)定，損害社會公共利益，可能嚴重危及或者已經(jīng)危及保險公司的償付能力的，金融監(jiān)督管理部門可以對該保險公司實行接管。
Article 113 Where an insurance company violates the provisions of this Law and hinders the social public interest, by which it might seriously threaten or has already threatened its solvency, the financial supervision and regulation department may implement a take-over of the said insurance company.

　　接管的目的是對被接管的保險公司采取必要措施，以保護被保險人的利益，恢復保險公司的正常經(jīng)營。被接管的保險公司的債權(quán)債務關(guān)系不因接管而變化。
The purpose of such a take-over is to adopt measures which are necessary to protect the interests of the insured and resume the normal operations of the insurance company. The relationship of the credits and debts of the insurance company taken over shall not change as a result of the take-over.

　　第一百一十四條　接管組織的組成和接管的實施辦法，由金融監(jiān)督管理部門決定，并予公告。
Article 114 The composition of the take-over task force and the take-over procedures shall be determined and publicized by the financial supervision and regulation department.

　　第一百一十五條　接管期限屆滿，金融監(jiān)督管理部門可以決定延期，但接管期限最長不得超過二年。
Article 115 When the term of the take-over expires, the financial supervision and regulation department may determine to extend it. However, the maximum term of the take-over may not exceed two (2) years.

　　第一百一十六條　接管期限屆滿，被接管的保險公司已恢復正常經(jīng)營能力的，金融監(jiān)督管理部門可以決定接管終止。
Article 116 When the term of the take-over expires and the insurance company has resumed its normal operational capacity, then the financial supervision and regulation department may determine to terminate the take-over.

　　接管組織認為被接管的保險公司的財產(chǎn)已不足以清償所負債務的，經(jīng)金融監(jiān)督管理部門批準，依法向人民法院申請宣告該保險公司破產(chǎn)。
If the takeover task force is of the opinion that the assets of the insurance company which has been taken over are no longer sufficient to meet its liabilities, then the take-over task force may, with the approval of the financial supervision and regulation department, apply to the People's Court to have the said insurance company declared bankrupt in accordance with laws.

　　第一百一十七條　保險公司應當于每一會計年度終了后三個月內(nèi)，將上一年度的營業(yè)報告、財務會計報告及有關(guān)報表報送金融監(jiān)督管理部門，并依法公布。
Article 117 An insurance company shall submit its business reports, financial and accounting reports and related statements for the preceding year to the financial supervision and regulation department within three (3) months after the end of each fiscal year, and publicize such reports and statements in accordance with laws.

　　第一百一十八條　保險公司應當于每月月底前將上一月的營業(yè)統(tǒng)計的報表報送金融監(jiān)督管理部門。
Article 118 An insurance company shall submit to the financial supervision and regulation department its business statistics statements for the preceding month by the end of each month.

　　第一百一十九條　經(jīng)營人身保險業(yè)務的保險公司，必須聘用經(jīng)金融監(jiān)督管理部門認可的精算專業(yè)人員，建立精算報告制度。
Article 119 Insurance companies engaging in insurance of persons must appoint and employ actuarial professionals recognized by the financial supervision and regulation department and establish an actuarial reporting system.

　　第一百二十條　保險人和被保險人可以聘請依法設立的獨立的評估機構(gòu)或者具有法定資格的專家，對保險事故進行評估和鑒定。
Article 120 The insurer and the insured may employ independent loss adjusting companies established in accordance with laws or experts having statutory qualifications, to carry out adjustments and assessments of losses and damages resulting from the occurrence of insured events.

　　第一百二十一條　保險公司應當妥善保管有關(guān)業(yè)務經(jīng)營活動的完整帳簿、原始憑證及有關(guān)資料。
Article 121 Insurance companies shall maintain complete accounting records, original vouchers and certificates as well as relevant information with respect to their business operations.

　　前款規(guī)定的帳簿、原始憑證及有關(guān)資料的保管期限，自保險合同終止之日起計算，不得少于十年。
The accounting records, original vouchers and certificates as well as other relevant information prescribed in the preceding paragraph should be maintained for not less than ten (10) years beginning from the date of the termination of the contract.

第六章保險代理人和保險經(jīng)紀人Insurance Agents and Insurance Brokers
　　第一百二十二條　保險代理人是根據(jù)保險人的委托，向保險人收取代理手續(xù)費，并在保險人授權(quán)的范圍內(nèi)代為辦理保險業(yè)務的單位或者個人。
Article 122 An insurance agent means an entity or an individual, that has been delegated by an insurer and collects handling fees therefrom, to transact insurance business on behalf of the insurance company within the scope of the delegated authority.

　　第一百二十三條　保險經(jīng)紀人是基于投保人的利益，為投保人與保險人訂立保險合同提供中介服務，并依法收取傭金的單位。
Article 123 An insurance broker means an entity which, based on the interests of the applicant, provides intermediary services between the applicant and the insurer so that they enter into an insurance contract and receives a commission in accordance with laws.

　　第一百二十四條　保險代理人根據(jù)保險人的授權(quán)代為辦理保險業(yè)務的行為，由保險人承擔責任。
Article 124 The insurer shall be held liable for the acts of its insurance agents when they transact insurance business on behalf of the insurance company in accordance with their delegated authority.

　　經(jīng)營人壽保險代理業(yè)務的保險代理人，不得同時接受兩個以上保險人的委托。
Agents of insurance companies engaged in insurance of persons shall not accept delegation from more than one insurer concurrently.

　　第一百二十五條　因保險經(jīng)紀人在辦理保險業(yè)務中的過錯，給投保人、被保險人造成損失的，由保險經(jīng)紀人承擔賠償責任。
Article 125 An insurance broker shall be liable for damages or losses caused to the applicant or the insured due to the negligence of the insurance broker in the course of transacting insurance business.

　　第一百二十六條　保險代理人、保險經(jīng)紀人辦理保險業(yè)務時，不得利用行政權(quán)力、職務或者職業(yè)便利以及其他不正當手段強迫、引誘或者限制投保人訂立保險合同。
Article 126 An insurance agent, or an insurance broker shall not take advantage of his/her administrative role, the privilege of the position or the authority or other unfair means to coerce, induce or restrict insurance applicants to enter into an insurance contract.

　　第一百二十七條　保險代理人、保險經(jīng)紀人應當具備金融監(jiān)督管理部門規(guī)定的資格條件，并取得金融監(jiān)督管理部門頒發(fā)的經(jīng)營保險代理業(yè)務許可證或者經(jīng)紀業(yè)務許可證，向工商行政管理機關(guān)辦理登記，領(lǐng)取營業(yè)執(zhí)照，并繳存保證金或者投保職業(yè)責任保險。
Article 127 An insurance agent or an insurance broker shall meet the qualification requirements set forth by the financial supervision and regulation department and shall obtain an insurance agent license or an insurance broker license issued by the financial supervision and regulation department; shall register with the authority of industry and commerce administration to obtain a business license and shall pay a guarantee deposit or buy a professional indemnity insurance policy.

　　第一百二十八條　保險代理人、保險經(jīng)紀人應當有自己的經(jīng)營場所，設立專門帳簿記載保險代理業(yè)務或者經(jīng)紀業(yè)務的收支情況，并接受金融監(jiān)督管理部門的監(jiān)督。
Article 128 An insurance agent or an insurance broker shall have his/her own business premises, maintain separate accounting records solely for recording revenues and expenses in connection with the transactions they handle and shall be subject to the supervision of the financial supervision and regulation department.

　　第一百二十九條　保險公司應當設立本公司保險代理人登記簿。
Article 129 An insurance company shall establish a registration book of their insurance agents.

　　第一百三十條　本法第一百零五條、第一百零七條、第一百一十七條的規(guī)定，適用于保險代理人和保險經(jīng)紀人。
Article 130 The provisions of Article 105, 107 and 117 of this Law shall apply to insurance agents and insurance brokers.

　　第一百三十一條　投保人、被保險人或者受益人有下列行為之一，進行保險欺詐活動，構(gòu)成犯罪的，依法追究刑事責任：
Article 131 An applicant, an insured or a beneficiary, who commits insurance fraud by conducting any of the following acts which constitutes a crime, shall be subject to criminal proceedings in accordance with laws:

　　（一）投保人故意虛構(gòu)保險標的，騙取保險金的；
the applicant deliberately falsifying the subject matter of the insurance, whereupon an insurance claim is fraudulently made;

　　（二）未發(fā)生保險事故而謊稱發(fā)生保險事故，騙取保險金的；
falsely alleging the occurrence of an insured event which in fact has not occurred, whereupon an insurance claim is fraudulently made;

　　（三）故意造成財產(chǎn)損失的保險事故，騙取保險金的；
deliberately causing the occurrence of an insured event which leads to property damage, whereupon an insurance claim is fraudulently made;

　　（四）故意造成被保險人死亡、傷殘或者疾病等人身保險事故，騙取保險金的；
deliberately causing the occurrence of an insured event in the insurance of persons, which leads to the death, injury or illness of the insured, whereupon an insurance claim is fraudulently made; or

　　（五）偽造、變造與保險事故有關(guān)的證明、資料和其他證據(jù)，或者指使、唆使、收買他人提供虛假證明、資料或者其他證據(jù)，編造虛假的事故原因或者夸大損失程度，騙取保險金的。
forging or altering evidence, information and other proof, which are related to the insured event, or abetting, instigating or bribing others to provide false evidence, information or other proofs, fabricating the cause of the insured event or overstating the extent of loss, whereupon an insurance claim is fraudulently made.

　　有前款所列行為之一，情節(jié)輕微，不構(gòu)成犯罪的，依照國家有關(guān)規(guī)定給予行政處罰。
Administrative sanctions shall be imposed, in accordance with the relevant stipulations of the State, if any of the conducts prescribed in the preceding paragraph does not constitute a crime.

　　第一百三十二條　保險公司及其他工作人員在保險業(yè)務中隱瞞與保險合同有關(guān)的重要情況，欺騙投保人、被保險人或者受益人，或者拒不履行保險合同約定的賠償或者給付保險金的義務，構(gòu)成犯罪的，依法追究刑事責任；不構(gòu)成犯罪的，由金融監(jiān)督管理部門對保險公司處以一萬元以上五萬元以下的罰款；對有違法行為的工作人員，給予處分，并處以一萬元以下的罰款。
Article 132 In the course of transacting insurance, an insurance company or its personnel which conceals material information with respect to the insurance contract, which deceives the applicant, the insured or the beneficiary, or which declines to fulfill its obligation of indemnity or payment of the insurance benefits in accordance with the contract, is subject to criminal proceedings in accordance with laws if the circumstances constitute a crime. If the circumstances do not constitute a crime, the insurance company is subject to the assessment of a fine imposed by the financial supervision and regulation department of not less than Renminbi ten thousand yuan (RMB 10,000), nor more than fifty thousand yuan (RMB 50,000); personnel who are in violation of laws shall be subject to administrative sanctions, and a fine of up to Renminbi ten thousand yuan (RMB 10,000).

　　保險公司及其工作人員阻礙投保人履行如實告知義務，或者誘導其不履行如實告知義務的，或者承諾向投保人、被保險人或者受益人給予非法的保險費回扣或者其他利益的，由金融監(jiān)督管理部門責令改正，對保險公司處以一萬元以上五萬元以下的罰款；對有違法行為的工作人員，給予處分，并處以一萬元以下的罰款。
In the course of transacting insurance, an insurance company or its personnel who prevents the applicant from fulfilling his/her obligation of making a full and accurate disclosure, induces the applicant not to fulfill his/her obligation of making a full and accurate disclosure, or promises to give illegal premium rebates or other interests to the applicant, the insured or the beneficiary, shall be subject to the direction of the financial supervision and regulation department to correct the conduct, and the insurance company shall be subject to a fine of not less than Renminbi ten thousand yuan (RMB 10,000), nor more than Renminbi fifty thousand yuan (RMB 50,000); the personnel who are in violation of laws shall be subject to administrative sanctions and a fine of up to Renminbi ten thousand yuan (RMB 10,000).

　　第一百三十三條　保險代理人或者保險經(jīng)紀人在其業(yè)務中欺騙投保人、被保險人或者受益人的，由金融監(jiān)督管理部門責令改正，并處以一萬元以上五萬元以下的罰款；情節(jié)嚴重的，吊銷經(jīng)營保險代理業(yè)務許可證或者經(jīng)紀業(yè)務許可證。構(gòu)成犯罪的，依法追究刑事責任。
Article 133 If in the course of transacting insurance business, an insurance agent or an insurance broker deceives the applicant, the insured or the beneficiary, then the financial supervision and regulation department may direct the matter to be corrected and impose a fine of not less than Renminbi ten thousand yuan (RMB 10,000), nor more than fifty thousand yuan (RMB 50,000). If the conduct is considered to be severe, the insurance agent license or the insurance broker license shall be revoked. If the conduct constitutes a crime, the offender shall be subject to the criminal proceedings in accordance with laws.

　　第一百三十四條　保險公司的工作人員利用職務上的便利，故意編造未曾發(fā)生的保險事故進行虛假理賠，騙取保險金的，依法追究刑事責任。
Article 134 Personnel of an insurance company shall be subject to criminal proceedings in accordance with laws, if he/she takes the advantage of his/her position, or deliberately falsifies the occurrence of an insured event which did not occur, or makes false settlement of a claim for the purpose of receiving a fraudulent payment.

　　第一百三十五條　違反本法規(guī)定，擅自設立保險公司或者非法從事商業(yè)保險業(yè)務活動的，依法追究刑事責任，并由金融監(jiān)督管理部門予以取締。情節(jié)輕微，不構(gòu)成犯罪的，給予行政處罰。
Article 135 Anyone who violates the provisions of this Law and establishes an insurance company without approval, or illegally transacts commercial insurance activities, shall be subject to criminal proceedings in accordance with laws, and the action by the financial supervision and regulation department. If the circumstances are not material enough to constitute a crime, administrative sanctions shall be imposed.

　　第一百三十六條　違反本法規(guī)定，超出核定的業(yè)務范圍從事保險業(yè)務的，由金融監(jiān)督管理部門責令改正，責令退還收取的保險費，有違法所得的，沒收違法所得，并處以違法所得一倍以上五倍以下的罰款；沒有違法所得的，處以十萬元以上五十萬元以下的罰款；逾期不改正或者造成嚴重后果的，責令停業(yè)整頓或者吊銷經(jīng)營保險業(yè)務許可證。
Article 136 Anyone who violates the provisions of this Law, and transacts insurance business beyond the scope of business approved, shall be subject to the direction of the financial supervision and regulation department to correct the conduct and return the premiums collected; if there are any illegal gains derived therefrom, they shall be confiscated, and a fine shall be imposed of not less than one, nor more than five times the illegal gains; in the event that there are no illegal gains, he/she will be subject to a fine of not less than Renminbi one hundred thousand yuan (RMB 100,000) nor more than Renminbi five hundred thousand yuan (RMB 500,000). In the event that the company fails to carry out the required correction within a prescribed period of time or where severe circumstances result, the financial supervision and regulation department shall direct that all operations shall cease and shall be corrected, or the company's insurance business license shall be revoked.

　　第一百三十七條　違反本法規(guī)定，未經(jīng)批準，擅自變更保險公司的名稱、章程、注冊資本、公司或者分支機構(gòu)的營業(yè)場所等事項的，由金融監(jiān)督管理部門責令改正，并處以一萬元以上十萬元以下的罰款。
Article 137 Anyone who violates the provisions of this Law and changes the information and details such as the name of the insurance company, Articles of Association, registered capital, business premises of the insurance company or its branches without approval, shall be subject to the direction of the financial supervision and regulation department for correction and a fine of not less than Renminbi ten thousand yuan (RMB 10,000), nor more than Renminbi one hundred thousand yuan (RMB 100,000).

　　第一百三十八條　違反本法規(guī)定，有下列行為之一的，由金融監(jiān)督管理部門責令改正，并處以五萬元以上三十萬元以下的罰款；情節(jié)嚴重的，可以限制業(yè)務范圍、責令停止接受新業(yè)務或者吊銷經(jīng)營保險業(yè)務許可證：
Article 138 Anyone who violates the provisions of this Law, and commits any of the following acts, shall be subject to the direction of the financial supervision and regulation department for correction and a fine of not less than Renminbi fifty thousand yuan (RMB 50,000) nor more than Renminbi three hundred thousand yuan (RMB 300,000); where the circumstances are severe, the financial supervision and regulation department may restrict the scope of business, direct the company to cease accepting new business or revoke the insurance business license:

　　（一）未按照規(guī)定提存保證金或者違反規(guī)定動用保證金的；
failing to set up a guarantee fund or violating the stipulations regarding the application of the guarantee fund;

（二）未按照規(guī)定提取或者結(jié)轉(zhuǎn)未到期責任準備金或者未按照規(guī)定提取未決賠款準備金的；
failing to set aside or carry forward a reserve for future claims, or set aside an outstanding loss reserve, as required;

　　（三）未按照規(guī)定提取保險保障基金、公積金的；
failing to contribute to the insurance guarantee fund or the accumulated reserve fund as required;

　　（四）未按照規(guī)定辦理再保險分出業(yè)務的；failing to effect outward reinsurance as required;
　　（五）違反規(guī)定運用保險公司資金的；
violating the regulations governing the application of the funds of the insurance company;

　　（六）未經(jīng)批準設立分支機構(gòu)或者代表機構(gòu)的；
establishing branches or representative offices without approval; or

　　（七）未經(jīng)批準分立、合并的。
carrying out a division or a merger of the company without approval.

　　第一百三十九條　違反本法規(guī)定，有下列行為之一的，由金融監(jiān)督管理部門責令改正，逾期不改正的，處以一萬元以上十萬元以下的罰款：
Article 139 Anyone who violates of the provisions of this Law and commits either of the following acts, shall be subject to the direction of the financial supervision and regulation department to correct the breach, and a fine of not less than Renminbi ten thousand yuan (RMB 10,000), nor more than Renminbi one hundred thousand yuan (RMB 100,000) if he/she fails to correct the breach within a prescribed period of time:

　　（一）未按照規(guī)定報送有關(guān)報告、報表、文件和資料的；
failing to submit relevant reports, statements, documents and information in accordance with laws or the regulations; or

　　（二）未按照規(guī)定將擬定險種的保險條款和保險費率報送備案的。
failing to file the insurance clauses and premium rates for its proposed insurance products as required.

　　第一百四十條　違反本法規(guī)定，有下列行為之一的，由金融監(jiān)督管理部門責令改正，處以十萬元以上五十萬元以下的罰款：
Article 140 Anyone who violates the provisions of this Law, and commits either of the following acts, shall be subject to the direction of the financial supervision and regulation department for correction, and a fine of not less than Renminbi one hundred thousand yuan (RMB 100,000) nor more than Renminbi five hundred thousand yuan (RMB 500,000):

　　（一）提供虛假的報告、報表、文件和資料的；
submitting false reports, statements, documents and information; or

　　（二）拒絕或者妨礙依法檢查監(jiān)督的。
refusing to accept or hindering lawful examination and supervision.

　　第一百四十一條　違反本法規(guī)定，有下列行為之一的，由金融監(jiān)督管理部門責令改正，處以五萬元以上三十萬元以下的罰款：
Article 141 Anyone who violates the provisions of this Law, and commits any of the following acts, shall be subject to the direction of the financial supervision and regulation department to correct the breach, and a fine of not less than Renminbi fifty thousand yuan (RMB 50,000), nor more than Renminbi three hundred thousand yuan (RMB 300,000):

　　（一）超額承保，情節(jié)嚴重的；
retaining for its own account excessive insurance exposures which is regarded as having committed a serious breach; or

　　（二）為無民事行為能力人承保以死亡為給付保險金條件的保險的。
undertaking to provide life insurance where death is the prerequisite for the payment of the insurance benefits, for those who have no civil legal capacity.

　　第一百四十二條　違反本法規(guī)定，未取得經(jīng)營保險代理業(yè)務許可證或者經(jīng)紀業(yè)務許可證，非法從事保險代理業(yè)務或者經(jīng)紀業(yè)務活動的，由金融監(jiān)督管理部門予以取締，沒收違法所得，處以違法所得五倍以上十倍以下的罰款。構(gòu)成犯罪的，依法追究刑事責任。
Article 142 Anyone who violates the provisions of this Law, and illegally transacts insurance agent business or insurance brokerage business without an insurance agent license or insurance broker license, shall be subject to action by the financial supervision and regulation department, and forfeiture of illegal gains, and a fine of not less than five, nor more than ten times as much as the illegal gains. In the event that such offenses are serious enough to constitute a crime, the person shall be subject to criminal proceedings in accordance with laws.

　　第一百四十三條　對違反本法規(guī)定尚未構(gòu)成犯罪的行為負有直接責任的保險公司高級管理人員和其他直接責任人員，金融監(jiān)督管理部門可以區(qū)別不同情況予以警告，責令予以撤換，處以五千元以上三萬元以下的罰款。
Article 143 The financial supervision and regulation department may, in accordance with relevant circumstances, issue warnings to, direct a replacement of or impose a fine of not less than Renminbi five thousand (RMB 5,000) yuan, nor more than Renminbi fifty thousand (RMB 50,000) yuan on the senior management of an insurance company who are directly responsible for, as well as the personnel directly involved in the offense that is not in compliance with the provisions of this Law, but which does not constitute a crime.

　　第一百四十四條　違反本法規(guī)定，給他人造成損害的，應當依法承擔民事責任。
Article 144 Anyone who violates this Law and causes damage or loss to others, shall be subject to civil proceedings in accordance with laws.

　　第一百四十五條　對不符合本法規(guī)定條件的設立保險公司的申請予以批準的，或者對不符合保險代理人、保險經(jīng)紀人條件的申請予以批準的，給予行政處分；情節(jié)嚴重，構(gòu)成犯罪的，依法追究刑事責任。
Article 145 Administrative sanctions will be imposed upon anyone who approves the application for the establishment of an insurance company which is not in compliance with the stipulated requirements of this Law, or who approves the application of insurance agents or insurance brokers which is not in compliance with the stipulated requirements of this Law. In the event that such acts are serious enough to constitute a crime, the person shall be subject to criminal proceedings in accordance with laws.

　　第一百四十六條　金融監(jiān)督管理部門工作人員在對保險業(yè)的監(jiān)督管理工作中濫用職權(quán)、徇私舞弊、玩忽職守，構(gòu)成犯罪的，依法追究刑事責任；不構(gòu)成犯罪的，給予行政處分。
Article 146 Anyone in the financial supervision and regulation department, in supervising and regulating power over the insurance industry, who abuses his/her administrative power, gets involved in economic corruption or is derelict in his/her duty, practices favoritism for personal interests or neglects his duty, shall be subject to criminal proceedings if the conduct is serious enough to constitute a crime; or shall be subject to administrative sanctions if the conduct does not constitute a crime.

第八章附則Supplementary Provisions
　　第一百四十七條　海上保險適用海商法的有關(guān)規(guī)定；海商法未作規(guī)定的，適用本法的有關(guān)規(guī)定。
Article 147 The Maritime Law of the PRC is applicable to marine insurance. For the matters where the Maritime Law does not specify, this Law shall be applicable.

　　第一百四十八條　設立外資參股的保險公司，或者外國保險公司在中國境內(nèi)設立分公司，適用本法規(guī)定，法律、行政法規(guī)另有規(guī)定的，適用其規(guī)定。
Article 148 The establishment of a joint-venture insurance company with foreign equity or the establishment of branches within the territory of the PRC by foreign insurance companies shall be governed by this Law, or other laws and administrative regulations if they provide otherwise.

　　第一百四十九條　國家支持發(fā)展為農(nóng)業(yè)生產(chǎn)服務的保險事業(yè)，農(nóng)業(yè)保險由法律、行政法規(guī)另行規(guī)定。
Article 149 The State encourages those insurance businesses which facilitate the development of agricultural production. Agricultural insurance shall be governed by laws and administrative regulations to be promulgated separately.

　　第一百五十條　本法規(guī)定的保險公司以外的其他性質(zhì)的保險組織，由法律、行政法規(guī)另行規(guī)定。
Article 150 Insurance institutions other than insurance companies as defined by this Law shall be governed by laws and administrative regulations to be promulgated separately.

　　第一百五十一條　本法施行前按照國務院規(guī)定經(jīng)批準設立的保險公司繼續(xù)保留，其中不完全具備本法規(guī)定的條件的，應當在規(guī)定的期限內(nèi)達到本法規(guī)定的條件。具體辦法由國務院規(guī)定。
Article 151 Insurance companies established upon approval in accordance with the regulations of the State Council prior to the enactment of this Law shall remain operative. Those which do not fully meet the requirements stipulated in this Law shall satisfy the requirements within a prescribed period of time. Specific measures shall be formulated by the State Council.

　　第一百五十二條　本法自１９９５年１０月１日起施行。
Article 152 This Law shall become effective on October 1, 1995.